Senior Mortgage Loan Officer - Outside Sales

About the role

Works with prospective customers to assist them in identifying and securing a mortgage loan that is appropriate for their individual financial circumstances and is designed to help them achieve their financial goals, including home ownership.

Responsibilities

• Spend 80% or more of working time outside of Fulton office locations building relationships and soliciting first mortgages with realtors, builders, accountants and other external referral sources to obtain mortgage loan applications.
• Cultivate self-generated prospects to generate origination of mortgage loans.
• Develop and expand referral sources outside of Fulton Bank in order to solicit first mortgages and create a continual stream of origination volume.
• Maintain regular contact with Realtors in their offices and on site at open house events.
• Meet with builders on job sites to discuss lending options related to clients they have building homes.
• Regularly seek opportunities to meet with developers.
• Participate in building and trade shows.
• Participate in mixers related to real estate where relationships can continue to be built and new ones can be developed.
• Maintain regular contact and meet with external centers of influence such as attorneys, accountants, and financial advisors.
• Collect and analyze applicant’s financial information to determine whether the applicant and the property qualify for a particular loan.
• Interview applicants and provide required information, including income, assets, investments, debt, credit history, prior bankruptcies, judgments, and liens, as well as characteristics of property and similar information.
• Evaluate customer’s needs in conjunction with their financial situation and recommend financial products which best meet the customer’s specific needs after advising customer about the risks and benefits of the loan alternatives, including the options and advantages involved.
• Recommend terms and conditions of mortgage loans.
• Engage in customer specific persuasive sales activity to encourage potential customers to do business with Fulton Mortgage Company.
• Perform work related to the loans the employee originates.
• Obtain and analyze pertinent financial and credit data.
• Follow current loans to ensure conformity with terms.
• Follow up with prospective customers via telephone and email communication.
• Prepare materials needed to support loan activities.
• Attend company meetings as necessary.
• Ensure loan originations are in accordance with regulatory compliance.
• Ensure documentation is completed in accordance with regulatory compliance.
• Communicate with all applicable parties on an ongoing basis to ensure understanding of the mortgage lending process.

Requirements

• High School Diploma or equivalent.
• 4 or more years recent residential mortgage lending experience to include experience in the local market.
• 4 or more years proven ability to develop referral sources from contacts and relationships outside the organization.

Qualifications

(Required)

Skills

(Not specified)

Benefits

(Not specified)

Pay

(Not specified)

Schedule

(Not specified)